About the opportunity
Job Overview
The Relationship Manager (Working Capital) is responsible for acquiring, managing, and growing relationships with SME, Mid-Corporate, and Corporate clients by offering working capital financing solutions. The role focuses on business development, credit assessment, portfolio management, cross-selling banking products, and ensuring high customer satisfaction while maintaining portfolio quality. Business Development:
Acquire new SME/Mid-Corporate customers requiring working capital facilities.
Generate business through referrals, direct sales, channel partners, and market networking.
Achieve monthly and annual targets for working capital products and liabilities.
Identify opportunities for increasing wallet share within existing relationships.
Relationship Management
Develop and maintain long-term relationships with business clients.
Understand customers' business models, cash flow cycles, and financing requirements.
Provide customized working capital solutions based on customer needs.
Conduct periodic customer visits and portfolio reviews.
Working Capital Solutions
Promote and structure products such as:
Cash Credit (CC)
Overdraft (OD)
Working Capital Demand Loans (WCDL)
Bill Discounting
Letter of Credit (LC)
Bank Guarantee (BG)
Trade Finance
Supply Chain Finance
Invoice Financing
Export & Import Finance
Credit Assessment
Analyze financial statements, bank statements, GST returns, and cash flows.
Assess creditworthiness and repayment capacity.
Prepare credit proposals and coordinate with credit teams for approvals.
Ensure timely documentation and disbursement.
Portfolio Management
Monitor portfolio health and asset quality.
Track account performance and early warning signals.
Minimize delinquency and maintain low NPAs.
Ensure periodic renewal of credit facilities.
Cross-Selling
Cross-sell:
Current Accounts
Trade Services
Cash Management Services (CMS)
Payment & Collection Solutions
Forex Products
POS & Digital Banking Solutions
Insurance
Investment Products
Compliance & Risk
Ensure adherence to RBI guidelines and HDFC Bank policies.
Complete KYC, AML, and regulatory documentation.
Maintain accurate records and documentation.
Follow internal audit and compliance requirements. Looking for candidates with 3–10 years of experience in:
Working Capital Finance
SME Banking
Commercial Banking
Corporate Banking
Trade Finance
Business Banking